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@afbar1114 wrote:wow you guys are funny and made me realize what i have so i am trying my hardest not to app for anything. but do HP CLI's count during gardenging?
Of course they do!!
A HP sticks around for 2 years. Anyone reviewing your credit will see it.
i though only hp's for apps counted because chase only does HP CLI's as does my kohls card and home depot but dont really plan on asking for CLI's from them anytime soon. just chase.
@afbar1114 wrote:i though only hp's for apps counted because chase only does HP CLI's as does my kohls card and home depot but dont really plan on asking for CLI's from them anytime soon. just chase.
If you want to avoid a HP, you'll have to wait until the lender decides to give you an auto CLI instead of a customer initated one.
Freeze the reports. Or you will regret your itch.
@Repo-ed wrote:
Freeze the reports. Or you will regret your itch.
Yeah, that might help some.
does chase do auto clis
No. HP only
@afbar1114 wrote:does chase do auto clis
It is very rare that Chase issues auto CLIs however they have been know to do so after good history and steady use. Requesting a CLI from Chase will result in a hard pull which will lower your credit score and remain on your report for 2 years. If you get denied there is nothing you can do. I was stupid to think that I could get a CLI on my Chase card with a CL of 1000. I thought that was too low and insulted by Chase. I waited 3 months used the card heavily and requested a CLI. Denied. Denied after recon, denied after 2nd recon. A waisted HP for sure. I did wait 8 months, called again, made sure I had used the card a good bit, and after a HP approved for 3000. I will never call again for a CLI. I will garden with Chase and if they raise it my limit by auto that's the only my CL will get above it's current amount!
@afbar1114 wrote:
does chase do auto clis
IMO, hardly these days.
i wish they did auto CLI's.. i might have to do one INQ on it in 6 months and see if i get it